Kodi Msonkho N’chiyani?

Malo a msonkho ndi amene amachotsa mwachindunji pa ndalama za msonkho zimene muyenera kupereka ku boma. Mosiyana ndi ndalama zochepetsera msonkho, zimene zimachepetsa malipiro anu a msonkho, ngongole ya msonkho imachepetsa ndalama zanu za msonkho wa dolala pa dziko lapansi. Mwachitsanzo, ndalama zokwana madola 1000 zimakusungani pa misonkho, pamene ndalama zokwana madola 10,000 zingakupulumutseni ngati muli m'gulu la madola 22%. Zimenezi zimachititsa kuti mathango a ndalama zambiri akhale amtengo wapatali. Magulu awiri aakulu sabweza ndalama ndiponso amalipira ndalama zokwana madola 1.

  • [[FLT: 0] Maakaunti a Msonkho osavundulidwa: Zimenezi zingachepetseni msonkho wanu ku zero koma osatsikirapo pa zero. Ngati ngongoleyo ndi yaikulu kuposa msonkho umene muli nawo, mumataya yowonjezereka. Zitsanzo zimaphatikizapo Child ndi Discovent Care Credit Crey ndi The Time Learning Crend.
  • Zikalata za Msonkho zovomerezeka: [[FLT :1] Zimenezi zingachepetseni msonkho wanu pansi pa zero, kutanthauza kuti mumalandira kusiyana monga chobwezera. Ngakhale ngati simunakhome msonkho, mungabwezere ndalama. Ndalama zobwezedwa zoikizira msonkho (EITC) ndi A Chen Ac Treasurence Yachild Yakhala yokhoza kubwezedwa mbali zina.

Kuzindikira kusiyana kumeneku n’kofunika kwambiri polinganiza ndalama zanu. Mathango oyenerera ali ofunika kwambiri makamaka kwa mabanja opeza ndalama zochepa chifukwa chakuti angabweze ndalama ngakhale pamene kulibe msonkho.

Mmene Misonkho Imasiyanirana ndi Zipembedzo

Okhoma msonkho ambiri amasokoneza ngongole ndi ndalama za msonkho, koma amagwira ntchito mosiyana. Kuchepetsako ndalama zanu zosinthidwa (AGI) musanawerengetse msonkho. Mwachitsanzo, ngati mupeza $500,000 ndi kulipira $2,000,000, mumakhomedwa pa $4,000. Komabe, ngongole imachepetsa mwachindunji msonkho umene mumalipira mutawalemba. Mwachitsanzo, ngongole ya $1,000 imachepetsa ndalama zolipira $4,000 pa $4,000.

Ziyeneretso zina zilinso "zosafunika," kutanthauza kuti zingachepetse msonkho wanu ku zero. Zina ndi "zofunika," monga Child Tricess, chimene chimakulolani kupereka gawo ngakhale ngati simuyenera kukhometsa msonkho. Kaamba ka kuyerekezera kwatsatanetsatane, [[FL:0]] Tcharomo ndi matanthauzo a tsamba

Mitundu Yosiyanasiyana ya Msonkho

Mazanamazana a ngongole za msonkho wa boma ndi boma ziripo, koma zofala ndi zosonkhezera ziri pansipa. zirizonse zimatumikira chifuno chachindunji, kuyambira pa kuchirikiza mabanja kufikira pa kulimbikitsa maphunziro ndi mphamvu.

1. Mphoto Zolandira Msonkho (EITC)

EITC ndi ngongole yokhoza kuperekedwa kwa antchito otsika olandira ndalama zochepera. Ndalamazo zimadalira pa malipiro anu opezedwa, malo osungira, ndi chiŵerengero cha ana oyeneretsedwa. M’chaka cha 2024, kuchuluka kwa ngongole kuchokera pa $600 (osakhala ana) kufika ku $7,830 (ana atatu kapena kuposa). Kuti muyeneretse, muyenera kupeza ndalama pansi pa masewero ena (mge, $59,899 ya ukwati ndi atatu kapena ana ambiri). IRS imapereka [FL: 0] chiŵiro chothandizira ETCIT .

2. Kupereka Msonkho kwa Ana (CTC)

CTC ndi yosavuta kuwonjezera ndipo yopezeka kwa okhoma msonkho amene ali ndi ana odalira pa zaka za pansi pa 17. Kwa 2024, ngongole iri pa $2,000 pa mwana aliyense woyeneretsedwa, ndi $1,700 yokhoza monga Odd Child Taxis. Phaseout imayamba ndi $200,000 AGI ($400,000 pa nambala ya ukwati). Muyenera kukhala ndi nambala yovomerezeka ya Social Security ya mwana aliyense. Thango limeneli ndilo lofunika kwambiri kwa mabanja ogwira ntchito.

3. Ufulu wa Msonkho wa ku America (AOTC)

AOTC imakwaniritsa ndalama zoyenerera za maphunziro kwa zaka zinayi zoyambirira za koleji. Imapereka ngongole yaikulu ya $2,500 pa wophunzira mmodzi, imene 40% (kuposa $000) imaŵerengedwa. Kuti ayenerere, wophunzirayo ayenera kulembetsedwa pafupifupi theka la nthaŵi mu giredi kapena programu ya pepala. Ndalama za ngongole za okhometsa msonkho wochuluka (AGI pamwamba pa $900,000, $1800,000, $1,000 pepala la ukwati pamodzi). Mukhoza kuitcha kwa zaka zinayi za msonkho wophunzira aliyense woyenerera.

Kuphunzira Baibulo Kwabwino (LLC)

LLC siingatayike koma ingaperekedwe kwa zaka zosaŵerengeka. Imagwira ntchito pa maphunziro otsika, omaliza maphunziro, ndi maphunziro apamwamba, komanso maphunziro a kuwongolera maluso a ntchito. Ndalama zambiri ndi $2,000 pa kubwerera kwa msonkho ($2,000 pa ndalama zoyenerera). Zotsatirapo nzaing'ono kuposa AOTC: AGI kuposa mbeta yosakwatira, $138,000 ($38,000).

5. Ndalama za Msonkho wa Premium (PTC)

Ngongole imeneyi imathandiza anthu ndi mabanja kulipira inshuwalansi ya zaumoyo yogulidwa kudzera ku Manda a Zaumoyo. Ngongole imeneyi imachokera pa kukula kwa nyumba ndi ndalama zimene amapeza mogwirizana ndi umphaŵi wa boma. Mukhoza kuibweza pasadakhale (kuipereka mwachindunji kwa inshuwalansi) kapena kuipereka pa mtengo wanu wa msonkho.

Ana Ayenera Kupatsidwa Chilango Chokwanira

Kungongolera kopanda malire kumeneku kumathandiza kusamalira ana osakwana zaka 13 kapena opunduka kuti mugwire ntchito. Kwa 2024, ngongole yaikulu ndi $1,050 kwa munthu woyeneretsedwa ($5,000) kapena $100 pa ndalama ziŵiri kapena kuposa $20% ya ndalama zowonongedwa $100,000. Kukwera kwa ndalama za ngongole kumakhala kuchepa pamene ndalama zopezedwa zikuwonjezereka.

Perekani Chikalata cha Malo Osungiramo Zopereka

Ngongole imeneyi imalimbikitsa anthu okhoza kusunga ndalama zochepa ndi zochepera kuti asunthe. Mukhoza kuipereka kaamba ka zopereka 401(k), IRAS, ndi mapulani ofanana. Ndalama za ngongole ndi 10%, 20%, kapena 50% ya zopereka zofika pa $2,000 ($4,000 ngati ali ogwirizana muukwati pamodzi), kudalira pa AGI . Kwa 2024, ngongole yaikulu ndi $1,000 ya olemba mafaelo amodzi).

Mtengo wa Malo

Ndiponso kudziŵika monga ngongole ya malaya a dzuŵa, ichi chikuphatikiza chigawo cha mtengo woika mawotchi a dzuŵa, maturbine a dzuŵa, ndi ma magetsi ena okonzedwanso m'nyumba mwanu. Kwa 2024, ndi 30% ya mtengo wopanda denariyo. Mukhoza kupititsa chigawo chilichonse chosagwiritsidwa ntchito kutsogolo.

9. Chipatala cha magetsi cha Msonkho (Chenchi Chabwino)

Pa galimoto zamagetsi zatsopano zoikidwa muutumiki, mungayenerere kaamba ka ngongole yofikira $7,500. Kukhoza kudalira pa malo omalizira a msonkhano wa galimoto, mbali za batire, ndi maminero owopsa. Malire a ndalama amagwira ntchito (AGI kufika pa $1000,000 okwatira pamodzi). Palinso ngongole za ma aEV (kufikira $4,000) ndi magalimoto a malonda. IRS imasunga a magalimoto oyenerera [[FLT:].

Zofunika Kukhala Wokhoza

Malo alionse oyenera kupereka msonkho ali ndi malire a ndalama zimene muyenera kulipira, malamulo a zaukalamba, ndiponso malamulo a anthu odalira anthu amene ali ndi udindo wopereka msonkho.

Malipiro Ake

Zikweletso zambiri zasintha malipiro aakulu (AGI). Mwachitsanzo, EITC imasintha pamiyeso yosiyanasiyana yozikidwa pa chiŵerengero cha ana. Child Tax Cursure ikuyamba kutsalira pa $1000,000 ($400,000 okwatirana). Zina, monga Saver’s Credit, zili ndi makeke a ndalama zochepa kwambiri. Gwiritsani ntchito [FLT: 0] Msonkhezero Wogwirizanitsa Msonkhezero wa Msonkhezero [[FLT: 1]] Kuyang'ana ku kuwona kulephera kwanu.

Kuyenda Bwino

Ufulu wina umafunikira malo a kulinganiza. Mwachitsanzo, EITC ilipo kwa ogwirizana muukwati, mutu wa banja, kuyenerera mkazi wamasiye (pamodzi), kapena mbeta. Kuika mapepala kwa ukwati kwapamodzi kumachotsa inu mwachisawawa ku ngongole zambiri. Child ndi Defent Care Crece irinso ndi ziletso za kukwatira kwa osiyana pokhapokha ngati mukwaniritsa mikhalidwe ina (m’mzera, kupatukana kapena kukhala mopatukana mwalamulo).

Kukwaniritsa Ana ndi Odalira Ena

Chiyamikiro chambiri chimadalira pa kukhala ndi mwana woyeneretsedwa kapena wodalira pa ena. IRS imalongosola mwana woyeneretsedwa mwa unansi, msinkhu, malo ogona, ndi kuchirikiza. Kwa mwana M’pofunika kukhala ndi zaka zosachepera 17, mwana akhale mwana wanu wamwamuna, mwana wanu wamkazi, mwana wanu, mwana wanu wolera, mwana wanu, mng'ono wake, kapena mwana wake, ndipo ayenera kukhala nanu kwa theka la chaka. EITC imawonjezera tanthauzo la ana a zaka zosafika 19 kapena 24 ndipo amalemala kwamuyaya.

Mmene Mungadziperekere Msonkho

Nthaŵi zambiri njira imeneyi imatsatira njira zimenezi, koma nthaŵi zonse ŵerengani malangizo omveka bwino a ngongole iliyonse.

Kuphatikiza Malembo Ofunika

Sungani malisiti onse ndi mafomu a maphunziro. Kuti mukhale ndi ngongole, mufunikira Mafomu 1098-T kuchokera ku sukulu yanu. Mwana amafunikira manambala a Social Security kaamba ka mwana aliyense. Pa eV, mufunikira win ya galimoto ndi chikalata kuchokera kwa kampani. Kaamba ka mathiransi a mphamvu, sungani malisiti ndi ma kampani.

Mafomu Olondola a Msonkho

Thandizo lililonse limafunikira mtundu winawake.

  • EITC: Pulegilamu EIC (ngati muli ndi ana oyeneretsedwa)
  • [Kupereka Msonkho kwa Ana:[[FULT:1] Sameji 8812
  • Throughtion Tribution (AOTC/LLC): Demo longa 8863
  • [Kukongola kwa Msonkhano wa Msonkhano wa Msonkho: Malo 8962
  • Mwana ndi Chisamaliro Chodalirika: [[FULT:1]
  • [[FUL:0] Trini yosatha: [[[FUL:1] Dera 8880
  • [Malangizo: 0] Ovomerezeka: [[Kusintha:1] Mapilo 5695
  • [[ML:0] Credit Credit: Mpangidwe 8936

Mapulogalamu ambiri a pakompyuta ofotokoza za misonkho angakutsogolereni pa mafaelo amenewa ngati muyankha bwino mafunso amene akufunsidwa.

3. Musamabweze Msonkho

Mukhoza kujambula pakompyuta (e-file) kapena ndi makalata. Kujambula kumafulumira ndi kuchepetsa zolakwa. IRS imachita zinthu zopakidwa mafashoni ngati ndalama zachindunji zasankhidwa. Ngati mufuna ngongole yobwezedwa, iheni yokhala ndi ndalama ndiyo njira yofulumira kwambiri yopezera ndalama zanu. Kulemba pepala, kutsekera kaŵiri kuti mwalumikiza mafomu onse ofunikira ndi kusaina kubwerera.

4. Sungani Mbiri ya Zaka Zitatu za Chilombo

IRS imakhala ndi zaka zitatu kuchokera pa deti lakulembetsa kufikira pa kubwezera. Sungani makope a kubwezedwa kwanu kwa msonkho, zikalata zochirikiza, malisiti, ndi makalata. Zopereka zimene zimaphatikizapo kutumiza (monga majeremusi), sungani zolembedwa kaamba ka nyengo yonse ya kupita kutsogolo limodzi ndi zaka zitatu. Konzekerani zolembedwa pamalo otetezereka kapena m'zosunga za ndandanda.

Zolakwa Zofala Zoyenera Kupeŵa

Ngakhale osunga mafashoni osamala angaphonye. Pano pali zolakwa zobwerezabwereza zimene zingachedwetse kubwerera kwanu kapena kuyambitsa kuŵerengera:

  • Kusapenda malire a malipiro atsopano: [[FLT: 1] Malire amasintha chaka chilichonse. Kugwiritsa ntchito manambala a chaka chatha kungatsogolere ku ngongole zosavomerezeka.
  • Kuiŵala ngati ngongole njokhoza kubwezedwa: Zokongola zosabwezeka sizingakupatseni ndalama zofunikira kupyola pa ngongole yosakwanira.
  • Kulimba mtima kugaŵira ziŵerengero zotsimikizirika za Chisungiko cha Mayanjano: Odalira ndi okwatirana ayenera kukhala ndi ma SSN ovomerezedwa kaamba ka ngongole zambiri.
  • Kugwiritsa ntchito mafomu a chaka a msonkho olakwika: chaka chilichonse chimakhala ndi mitundu yapadera. Kugwiritsira ntchito mafomu 2023 kaamba ka mapindu 2024 kudzapangitsa kukanidwa.
  • Kukongola ngongole pa zowonongedwa zimene simunalipire: kaamba ka maphunziro, malipiro ongopangidwa ndi inu ŵerengani /osati ngongole zimene zinachotsedwa kusukulu.
  • Kusintha deti: Deti loikizira ndandanda ya madeti ndi April 15. Fanizo ngati lifunikira, koma dziŵitsani kuti mawonjezedwe a mafaelo sali maonjezero oyenera kulipira.
  • Thrini ya boma yokaikira: Maiko ambiri amapereka ngongole zowonjezereka zimene zingachepetse msonkho wa boma. Fufuzani zopereka za boma lanu.

Kuchepetsa Misonkho Yanu

Kukonzekera bwino kungakuthandizeni kupeza ndalama zimene mungafunikire.

  • Kugula zinthu: Ngati muli pafupi ndi malire, lingalirani ndalama zimene mumalandira kapena kuwonjezera ndalama zimene mufuna kuti muchepetse AGI ndi kuyenerera ngongole.
  • [[FLT: 0] Kubweza ngongole: Threasus zambiri zingaperekedwe pamodzi. Mwachitsanzo, mungalembe zonse ziŵiri Child Treasurer ndi Child ndi Desfent Care Creat ngati mukwaniritsa malamulo onse.
  • [[MLT:0] Gwiritsirani ntchito pulogalamu ya msonkho kapena katswiri: maseche a mapulogalamu onse a makhompuyi amene mungayenerere. Akatswiri a msonkho amasintha pakasintha.
  • Kubisa: [[FT:1] Ngati mulandira zilongozo zoŵerengeka zonga EITC, lingalirani W , kuchepetsa ndi kupeza ndalama zambiri mu sheke, koma samalani kuti musakhome msonkho.
  • Contrie ku kuleka ntchito: Zopereka ku IRA yamwambo kapena 401(k)) kuchepetsa AGI yanu, kukhoza kukuyeneretsani kaamba ka ngongole zambiri monga ngati Chikalata cha Ndalama Zosungira kapena EITC.

Kusintha kwa Malamulo a Msonkho

Masiku ano, malamulo a msonkho amasintha kwambiri ndipo zinthu zina zimene zasintha m’zaka zaposachedwapa ndi izi:

  • 2021 kufutukuka kwakanthaŵi: [[FLT :1] The Child Trought Crive inafutukulidwa kufika ku $3,600 pa mwana mmodzi pa 6 ndi $3,000 kwa zaka 6-17, ndipo inali yoŵerengeka mokwanira. Imeneyo inatha ntchito koma makonzedwe ena angabwerere.
  • Masinthidwe oyera a Chiwongola dzanja: Kuyambira 2024, ngongole iri ndi zofunika zopimira mokulira batire. Ogula ayenera kupeza lipoti kwa wogulitsa ndi kukwaniritsa malipiro.
  • Kusintha kwa ETC: Kusintha kwa kukwera mtengo kwa zinthu kwa pachaka kumakhudza ndalama zimene munthu amapeza ndi ndalama zogulira ngongole.
  • Threasure yosagwirizana: Act ya Flaation Reduction translation translate inawonjezera thango la dzuŵa ndi 30% ndi kulifutukula mpaka 2032, ndipo linayambitsa ngongole zatsopano za kuŵerengera magetsi a panyumba ndi kusunga bhetri.

Nthaŵi zonse fufuzani misonkho ya nkhani zosintha zinthu [ ndi kufunsa kwa katswiri wa msonkho kuti mufutukule zinthu zatsopano.

Msonkho wa Boma

Kuwonjezera pa ngongole za boma, maboma ambiri amapereka mathayo awoawo.

  • Kaunti ya EITC: Maiko ambiri (m. California, New York, Illinois) amapereka matembenuzidwe a boma a EITC, kaŵirikaŵiri chigawo cha ngongole ya boma.
  • Mwana ndi Ziŵiya za Mathayo: Maiko ena amapereka ngongole yowonjezereka ya zowonongedwa za mwana.
  • Ndalama zopimira: Madziko angapereke ngongole ya msonkho kapena zochepetsedwa za zopereka ku makonzedwe 529.
  • Triningo za Mphamvu za Mphamvu zowonjezereka: Madziko onga New York ndi Massachusetts amapereka zitseko zawo za dzuŵa kapena zamagetsi.
  • Ndalama Zosungidwa za Ashitoric: Kaamba ka kukonzanso zinthu za m'mbiri, maboma ena amapereka ngongole.

Pendani pawebusaiti ya boma lanu ya ndalama kuti mupereke zinthu zinazake.

Ziŵiya ndi Ziŵiya

Kuti mupitirizebe kukhala pa ngongole za msonkho, gwiritsirani ntchito zinthu zodalirika izi:

  • IRS & Deducations – ndandanda yokwanira ya ngongole za boma.
  • [[MLT: 0] Mthandizi wa Msonkho wogwirizana [[FULT:1] – chiŵiya chopimira kuwona mangawa apadera.
  • , kufalitsa 17 – chitsogozo chokwanira cha msonkho wa malipiro a boma (kuphimba ngongole zonse).
  • [['AT:0] Utumiki wa Wochirikiza – thandizo ngati muli ndi nkhani ndi IRS.

Kumbukirani kuti ngakhale kuti nkhani zimenezi zikupereka malangizo, mungafunike malangizo apamwamba pa nkhani ya msonkho.

Mwakumvetsetsa malo onse a ngongole za msonkho(kuyambira ku milingo ya boma ndi ya boma kufikira ku mitundu yosasinthika ndi yosasinthika) Mukhoza kulemba ndi kuwonjezera ndalama zanu za msonkho. Mungathe kuyamba kukonzekera msanga, kusunga zolembera zabwino, ndi kujambula bwino lomwe kuti mugwiritsire ntchito ngongole iriyonse imene muyenerera kaamba ka.